Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for New York County, New York
Every institution that decided a 1–4 unit mortgage application in New York County, home to Manhattan, between 2023 and 2025: 23,510 applications, 18,200 loans actually funded, across 8 kinds of borrowing.
New York County at a glance
23,510Applications decided
2023–2025
18,200Loans funded
77% of decisions
310Census tracts
45 ZIP codes
1,627,788People
ACS 2023
What the data shows
The typical purchase mortgage here is $725K.
Home improvement loans is the hardest money to get here: lenders approved 38% of 1,103 applications.
Lending by loan type in New York County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 86.2% | 15,704 | $725K | 96% | 235 |
| Home improvement loans | 38.3% | 1,103 | $275K | 96% | 52 |
| Cash-out refinance | 63.1% | 940 | $565K | 93% | 114 |
| Refinance | 73.8% | 1,620 | $915K | 96% | 109 |
| Investment property purchase | 83.1% | 2,888 | $795K | 96% | 194 |
| Investment cash-out refinance | 67.6% | 478 | $805K | 91% | 114 |
| Investment refinance | 71.7% | 607 | $1.47M | 89% | 120 |
| Investment home improvement | 39.4% | 170 | $505K | 93% | 34 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.